Time series

Polish retail savings bonds vs bank deposits (Premia obligacji skarbowych finwire)

Monthly finwire index finwire_retail_bond_premium: by how much the first-year rate of Polish State Treasury retail savings bonds (OTS 3-month, ROR 1-year, DOR 2-year, TOS 3-year, COI 4-year, EDO 10-year; family-only ROS and ROD shown separately) exceeds the finwire deposit index (average of the 5 best 3-month deposits), the finwire savings account index and the average rate on new household term deposits up to 1 year (NBP MIR statistics via the ECB), after the 19% capital gains tax on both sides, in percentage points. Headline: ROR over the finwire deposit index. With the monthly change of retail bond debt (Ministry of Finance) and household term deposits (NBP) and a correlation test of the premium with bond sales on our own series. Informational, not investment advice.